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Under the changes, customers now need 50pc more “Avios” air miles if they want to fly during busy periods, such as school holidays, than if they flew at an off-peak time.

Previously, you’d pay based simply on how far you were travelling and in what class.

Providers Amex, Lloyds and TSB, as well as Tesco Clubcard, the supermarket loyalty scheme, currently run points-savings schemes.

Card holders receive at least one point for every £1 they spend.

Customers collect “Avios” points whenever they use their air miles credit card, available from banks including Lloyds and TSB.

The Avios points are a virtual currency that can go towards a flight or Eurostar trip, as well as some other package holidays.

If you’re selling something, confirm payment with your bank before releasing the goods, and if you don’t remember entering a competition or buying a lottery ticket, you haven’t won anything. The 419 heartbreaker scam The 419 scams have been around since the dawn of the internet, the oldest one speaking of an inheritance worth billions that the sender is due, but your bank account details are needed to deposit the funds, in return for which you’ll get a percentage. In a recent episode of M-Net’s Carte Blanche, Monique Roeloffse nearly got scammed by after meeting “Josef Werner” on an online dating site.

Using either 4th night free benefit or trip delay insurance can easily pay for the card multiple times over!So, there’s dating for seniors, the middle-aged, sexual orientations, lifestyle, religion etc – even niche sites for rabbit-food eaters, the gluten-intolerant, bearded wonders, farmers and bacon lovers.Hopefully, you get to filter out the smokers, the ruffians and the soap dodgers (unless those are your exact type).The drawbacks are numerous, though: misrepresentation, catfishing, lousy matching, objectification and projection are just some of the psychological pitfalls of hooking up in the virtual world.Many of us know someone who found their match online: a friend, Philippa, told me she met the love of her life, Stuart, online in 1999 – they’ve now been married for 16 years and have two children.Thanks to the explosion of dating sites, couples seem to be as likely to meet virtually as in the real world, which traditionally occurred by way of introduction, blind dates, or meet-ups in pubs and clubs.

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